This is a comprehensive, yet easy to use, budget planner. You can input your income and expenses including rates, phone, insurance, super, loans and leisure, on a weekly, fortnightly, monthly or annual basis. You get provided with a summary report.

This calculator provides the honeymoon repayment amount and reverting repayment amount of a Honeymoon Loan. It also provides a comparison of the interest paid on the Honeymoon rate versus if there was no Honeymoon rate.

This calculator allows you to estimate your gross pay based on your net pay for a given period as well as helps you to understand the amount of tax payable and your tax to gross income ratio (which differs to your marginal tax rate).

The Income Tax Calculator calculates the net income using the tax rate tables obtained from the Australian Tax Office website. You can calculate what income tax you would pay on different gross income levels. Calculations do not include Medicare Levy or HECS payments.

This leasing calculator calculates the monthly payment required, the total payments over the life of the lease and the total interest payable. You can input the purchase price, the residual, the interest rate and the term.

This calculator provides a schedule of your monthly repayments, and shows you what portion goes towards interest and what portion goes toward paying off the principal amount borrowed. You can calculate the changes to your monthly repayments for different loan amounts, interest rates and payment terms.

This calculator helps you understand whether you may save money by making a switch from your existing mortgage to another as well as the benefit of making higher repayments instead of minimum repayments.

This calculator enables you to calculate the costs associated with buying a property. The costs can include government charges such as stamp duty, lenders fees such as loan application fees and other costs such as pest inspections or insurance. You are provided with a summary page.

This calculator enables you to calculate the costs associated with selling a property. The costs can include agent fees such as commission, lenders fees such as exit costs and other costs such as removalist costs. You are provided with a summary page.

The reverse mortgage calculator assists when you are looking at using the equity in your home to help fund your retirement. It reviews how much you can borrow and how you receive the money. You can input the interest rate and the fees and determine at what time the equity in your home becomes zero.

This calculator calculates the total accumulation in a savings or investment account. You can choose the regular deposit frequency, the initial amount, the regular deposit amount, the term and earning rate.

This calculator looks at how long it will take to reach your savings goal by considering three main variables that will impact on the time-frame required to meet your targeted savings goal: your current savings balance, investment earnings, and planned regular contributions.

This calculator considers the amount you will need to contribute to your savings, depending on your deposit frequency, to reach your savings goal by considering three main variables that will impact on the contribution amount required to meet your targeted savings goal: your current savings balance, investment earnings, and planned time-frame.

This calculator shows the total interest amount under a variable interest rate for the full loan term compared to the same loan having a fixed rate component. You can enter the fixed rate and the term.

This calculator shows the total accumulated balance and interest paid in a term deposit account. You can input the initial deposit amount, the interest rate and investment term.

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This Knowledge Centre provides general educational information only. The content does not take into account your personal objectives, financial situation or needs. You should consider taking financial advice tailored to your personal circumstances. Australian Private Capital Advisory Services Pty Ltd has representatives that are authorised to provide personal financial advice. Please see our website www.australianprivatecapital.com.au or call +61 3 9621 1000 for more information on our available services.